Paco's health insurance plan has a deductible of $750, and the co-insurance percentage for his plan is 30%, plus a one-time copayment of $20, Paco's account at the hospital is $ 1000, and he will have to pay $750 deductible, plus $75 that represents 30% of the difference between $1000 and $750, plus the one-time copayment of $ 20, with the total $ 845 that will come out of your pocket.